Reader’s Question:

Someone stole my vehicle in Gulfport, Mississippi and caused damages to other people’s properties and I would like to know if my insurance policy will cover those damages. The person who stole my vehicle did not have car insurance.

Jack

Gulfport, MS

Generally the car owner of a stolen automobile is not held liable for damages done by their car when it was in driven by the thief. Since you did not give permission to the person who stole your car your insurance carrier should not be held liable either.

The driver of the stolen vehicle will have problems since he was driving without insurance. Stealing a car is a criminal act. Even if the thief has insurance, his insurance company will probably not cover the damages he caused.

If the individual who stole the car in Gulfport, Mississippi was caught, then it is likely that he will be held personally liable for the damages to the properties. You may try contacting your insurance company with regards to the terms of your car insurance policy, since any damage to your car will need to be claimed through your comprehensive coverage.

Tags: auto insurance, comprehensive insurance coverage